Personal Finance

How to Get a Personal Loan in India with Low CIBIL Score: 5 Working Strategies in 2026

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Introduction: The Low CIBIL Reality in India’s Credit Landscape In India’s evolving financial ecosystem of 2026, 42% of credit applicants face loan rejections primarily due to suboptimal credit scores, with approximately 68 million Indians having CIBIL scores below 650. A low CIBIL score (typically below 700) isn’t a financial death sentence but a temporary obstacle … Read more

EPF vs. PPF vs. NPS: Which Retirement Plan is Best for Indian Salaried Employees?

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Executive Summary: India’s Retirement Trinity In the complex landscape of India’s retirement planning ecosystem, three pillars stand out for salaried employees: Employees’ Provident Fund (EPF), Public Provident Fund (PPF), and National Pension System (NPS). Together, these instruments manage over ₹45 lakh crore of Indian retirement savings, yet widespread confusion persists about their comparative advantages, tax … Read more